Mortgage: 34.09% (+0.16)
Emergency fund: 218.4% (-94.8 because we invested a bunch of stocks! Still…way too much cash for my liking….)
Stash (=EF + stocks): 18.18% (-0.97% due to loss of value in stocks)
Savings rate this month: 41% (Nice!)
Savings rate this year: 44% (Happy!)
Woops, forgot to publish these!
Mortgage: 33.93% (+0.15)
Emergency fund: 327.3% 313.2% (-14.1 because we invested a bunch)
Stash (=EF + stocks): 19.15% (+0.30%)
Savings rate this month: 47% (Almost 50%!!!)
Savings rate this year: 44% (hoorah!)
Lots of love,
Mortgage: 33.78% (+0.16)
Emergency fund: 327.3% (+19.8%)
Stash (=EF + stocks): 18.85% (+0.95%)
Savings rate this month: 61% (YAY!!! due to our annual tax return)
Savings rate this year: 44% (woot!!!)
Lots of love,
We were thinking about our holiday(s) this year. We thought we’d rent a nice family cottage somewhere in The Netherlands. Then we started thinking about what we’d be doing all day. Well, with two kids under 18 months you’ll probably end up playing in and around the cottage, feeding them and putting them to sleep once in a while. So, why exactly do we want to pay top euros for such a deal? Hm….
We ditched that plan and decided to stay with close relatives who have a beautiful home which always reminds me of a holiday cottage and thus being on holiday when we stay there. Problem solved! How about that for a frugal holiday? And we’ll have free babysitters included in the deal. 😉
Next year I’d like to look into a home exchange. We don’t live in Amsterdam, which people in the home exchange scene seem to find very attractive. So I hope we’ll be able to find a match. I’d love to swap homes with a family in Great Britain. The hubby is very hesitant about this idea.
I think it’s a great idea. It’s frugal and fun. All these homes that are left empty while the owners are on holiday renting a very expensive temporary place to stay is a waste indeed.
Have you ever done a home exchange?
Lots of love,
Mortgage: 33.16% (0.16% increase)
Emergency fund: 302%
Stash (=EF + stocks): 16.49%
Savings rate this month: 32% (we had to pay taxes, the hubby bought a ticket for a music festival, we bought 4 safety gates for our stairs to protect the kid from falling down and prevent her from climbing up, we did a family photoshoot and we bought some stuff for the little boy who’ll be arriving shortly)
Savings rate this year: 30% (I am hoping for a 40% savings rate this year…but 50% would be awesome!)
I really like personal finance guru Farnoosh Torabi. She started So Money podcasts and they’re great! I’ve listened to the ones with Mr. Money Mustache and J. Money. I love the questions she asks. It’s listening to PF great minds talking to each other as if having coffee together and casually throwing all these mindblowing philosophies into the equation. Yep, girlfriend got it going on!
I was very much inspired by J. Money’s Craigslist habit. I am going to incorporate that habit after having this baby. Our house is still stuffed with…stuff…which we can make money from.
Have fun listening to her podcasts. The next one I’m going to listen to is with Seth Godin.
Mortgage: 32.4 (0.22% increase)
Emergency fund: 396% (2% decrease, due to money going towards stocks)
Stash (=EF + stocks): 12.86% 12.07% (0.79% increase due to investments and the bullish stock market)
Income to spending ratio this month: 57% (yeah! Even with the husband going to a 3-day music festival and spending lots on drinks and food)
Income to spending ratio this year: 61% (<60% here we come!)